Lisa Fletcher - Mortgage Adviser

19/01/2024

Hi PLEASE, please can you like my new business page as this one is broken 🙏🏻🤕👇

I miss you 😚

Lisa Fletcher- Mortgage Adviser

Thank you 😚

21/12/2023

Wishing everyone the Merriest Christmas and a Happy, Healthy Prosperous 2024 ✨

Let’s talk about income types! 🧑‍🎄

Not all lenders accept the income types below. I know which lenders do, it can be the difference between being able to buy a house or not 💭🏡

🎄Universal credit
🎄Non court ordered maintenance
🎄Personal independence payments
🎄Child benefit

If you want to discuss your mortgage options please get in touch.

📧 [email protected]
☎️ 07854 516929

10/12/2023

My lovely clients are completing tomorrow 🏡🔑😍

I signed them up 23rd October and instructed solicitors for their sale and purchase on the same day.

These are HUGE transactions so many simultaneous processes involved for both. The surveyors, the conveyancers and the chain was to be absolutely understood.

Even an unprecedented cyber attack on the conveyancing systems couldn’t stop us 👊🏻

35 working days and they are in 👀

Huge gratitude to my lovely clients who just knocked my front door with these gorgeous gifts 🎁 just wow 🤩

02/11/2023

This business page hasn’t worked since April 😮

If you can see this post please let me know by liking 😁🙌

Please feel free to check out and like (🙏🏻) my new account Lisa Fletcher- Mortgage Adviser 😙

P.S. I’ve really missed you 🤍

23/06/2023

HUGE APOLOGIES for my absence on here the Facebook robots have an issue with my settings and I am still figuring them out!

📣‼️IMPORTANT NEWS‼️📣

The bank rate has increased to 5% which is the highest since 2008.

If you have a mortgage the most important things you can do now are the following ~

✴️ Know what rate you have is it fixed, discounted, tracker etc?

✴️ Establish from your current lender what date the rate ends

✴️ 6 months before that date speak to a broker

✴️ If you are currently on a LOW fixed rate take advantage, make overpayments and reduce the capital quicker *most lenders allow 10% pa some more. I 🧡 this one.

Here are some options I discuss with my clients to help reduce their monthly payments if coming off a low rate in this climate ~

✴️ Increasing the term of the mortgage

✴️ Taking the mortgage past retirement age if the job is non-manual, some lenders go to the age of 80

✴️ Considering interest only

Please get in touch if I can help you or anyone you know.

☎️07854 516929

📧[email protected]

09/05/2023

‼️100% Mortgages no deposit required‼️

Watch this space 😀

Skipton building society aims product at renters who cannot save enough for a deposit

02/05/2023

❗️TOP TUESDAY TIPS❗️

Saving a deposit 🤔💁🏽‍♂️💭

⭐️ If it is an option live with family, it is absolutely hands down the quickest way to save 💷

⭐️ If you are renting can you consider moving to an area where the rent is lower? Not ideal but if it gets you closer to your goal quicker it will be worth it.

Think about house sharing and splitting the rent/bills 🥝

⭐️ Check out schemes depending on where you live 🏴󠁧󠁢󠁥󠁮󠁧󠁿🏴󠁧󠁢󠁷󠁬󠁳󠁿🏴󠁧󠁢󠁳󠁣󠁴󠁿🇮🇪🇬🇧

Google ‘Home buying schemes near me’ e.g. shared ownership, help to buy. You’ll need a minimum of 5% deposit. I can help you understand these too and establish a saving plan and a goal 🏒🥅

⭐️ Save in an account that earns you the maximum interest, help to buy ISA’s are tax free AND pay a bonus ❌ Don’t save in a current account.

⭐️ Car finance, can this outgoing be reduced smaller car = lower running costs 👊🏻 Not only will it help you save but paying less per month will (likely) increase the amount you can borrow 🆙

⭐️ Spend a morning going through your bank statements, cancel direct debits, unused gym memberships, reduce take out food & coffee, online clothes shopping ☕️🛍️

⭐️ If you are lucky enough you can accept a gifted deposit from the bank of Mum or Dad or another person. Have the conversation 🎁

⭐️ If you are doing well in work and reaching your targets/due a review. Ask for a pay-rise. Make sure you do your research first and your employer knows what benefits it will bring to the company 🕵️‍♂️

⭐️ The smaller your deposit the better your credit score will need to be so well worth giving that a cwtch/check here ▶️ https://www.checkmyfile.com

If you need a trusted mortgage professional please get in touch 👇

📧 [email protected]
☎️ 07854 516929